Generally, the credit card review will be completed within 15 working days. You can check the application progress of the credit card after two weeks. Usually, after the bank approves the credit card, it will send the approval result to the applicant by SMS. Please be patient.
credit card application
in most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.
each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant.
and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.
the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.
review
after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.
usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
card issuing
after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.